Citi PremierMiles Visa Signature

Welcome your VIP lifestyle with unlimited access to selected airport lounges, free rides home from KLIA, and fast air miles conversion for free flights!

Citi PremierMiles Visa SignatureAir Miles & Golf Privileges
Min. Income
RM8,333.33/month
Annual Fee
Free*
Balance Transfer
From 5.32% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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worth RM299
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Rewards

Earn PremierMiles that never expire: 1X PremierMile for every RM3 spend locally and 2X PremierMiles for overseas spending. Redeem PremierMiles for free flights from over 90 airlines partners or convert miles into credit for your next purchases.

Citi PremierMiles
EarnSpend
2 points on every RM3on all overseas expenses
1 point on every RM3on all local expenses

Travel

Concierge service, Air Miles, free airport limo ride, worldwide airport lounge privileges, and preferential luxury hotel booking, on top of a free personal accident insurance coverage of up to RM300,000.

Travel CoverageSum Insured
Personal AccidentUp to RM300,000
Delayed FlightUp to RM2,500
Missed FlightUp to RM2,500
Lost LuggageUp to RM12,000
Delayed LuggageUp to RM2,500

Premium

Get bonus PremierMiles amounting to 10,000 every year on your card anniversary upon payment of your annual fee!

Balance Transfer

Consolidate any of your outstanding credit card debt with a great balance transfer plans that offers you low interest rates. Pay off your debts in no time with smaller installments and a flexible repayment tenure.

Pay OverWith Interest Rate AtWhen You Transfer
6 months5.81% p.a. and no one-time upfront handling feefrom RM1,000
9 months5.56% p.a. and no one-time upfront handling feefrom RM1,000
12 months5.44% p.a. and no one-time upfront handling feefrom RM1,000
18 months5.35% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.32% p.a. and no one-time upfront handling feefrom RM1,000
30 months5.32% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.33% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Citibank Balance Transfer via Instalment Plan

Easy Payment Plans

Citibank Flexi Payment Plan offers payment terms of 6 to 36 months on any retail purchases at affordable interest rates with a minimum spend of RM500. On the other hand, the instalment interest is 0% for purchases at participating merchants.

Citibank Flexi Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months10.57% p.a. and no one-time upfront handling feeRM500
12 months9.96% p.a. and no one-time upfront handling feeRM500
18 months9.84% p.a. and no one-time upfront handling feeRM500
24 months9.85% p.a. and no one-time upfront handling feeRM500
30 months9.91% p.a. and no one-time upfront handling feeRM500
36 months9.99% p.a. and no one-time upfront handling feeRM500
Learn more about Citibank Flexi Payment Plan
Citibank Easy Pay Plan
Pay OverWith Interest Rate AtWhen You Spend
48 months0% p.a. and no one-time upfront handling feeRM500
Learn more about Citibank Easy Pay Plan

Fees & Charges

Annual Fee
  • RM600 primary card

    Free for first 3 years. New cardholders only.

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM100,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Citibank Flexi Payment Plan
Enjoy more freedom when you transfer your retail purchases to Citibank FlexiPayment Plan, convert your credit card purchases into affordable monthly instalments.
Citibank Easy Pay Plan
Why wait to indulge? Convert your purchases to 0% interest installments now and stretch your payments over 3 to 48 months.
Cash Advance / Cash Loan
Citi Quick Cash
Get convenient cash that's bundled with instalment options! Now you can manage your finances better, and enjoy convenient cash access any time.
Balance Transfer Plans
Citibank Balance Transfer via Instalment Plan
Transfer your outstanding balance to a brand new Citibank credit card. Convert your debts to easy to manage monthly repayments for up to 36 months.

Review

Enter the world of luxury travel with Citi PremierMiles Visa Signature: the premium credit card by Citibank for frequent flyers that welcomes you to the VIP life.

Evergreen Citi PremierMiles

Citi PremierMiles is a reward system that allows you to collect air miles from more than 90 airlines partners with Citibank. You can accumulate as many PremierMiles as you like as they never expire and have no limit!

Spend RM3 on your Citi PremierMiles Visa Signature locally and overseas, you will earn 1 PremierMile and 2 PremierMiles respectively. What's more, you will also get 3 PremierMiles when you spend on selected online travel merchants such as:

Airlines: AirAsia.com, CathayPacific.com, MalaysiaAirlines.com and SingaporeAir.com

Hotels: Agoda.com, Airbnb.com, Expedia.com and Traveloka.com

Citi PremierMiles Redemption

It is not uncommon for air miles to be redeemed with free flights. But with PremierMiles, you have a plenty of redemption choices. First of all, you have the flexibility to convert 1,500 PremierMiles to 1,000 air miles with over 90 airlines partners as listed on the website. 

Second of all, you can convert you PremierMiles to pay for your recent purchases in selected categories to reduce your credit card balance. This must be done via Citibank Online. Using the same mechanic, you can use PremierMiles to instantly redeem rewards at Citi Thank You Rewards program.

And last but not least, you can use your PremierMiles to renew your Citi PremierMiles Visa Signature annual fee at a conversion rate of 300,000 PremierMiles. Plus, you will be rewarded with 10,000 PremierMiles on your card anniversary upon payment of the annual fee.

Balance Transfer Promotion

Simplify your finances with balance transfer plans that offer low interest charges and flexible repayments. First off, you have a Balance Transfer Plan that charges EIR of 8.99% p.a. for 12 months, with a minimum balance transfer of RM1,000.

Should you want to stretch your repayment capacity up to 36 months, you can apply for Balance Transfer via Installment Plan and pay as low as RM32.23 per month with a minimum balance transfer of RM1,000.

Interestingly, when you apply for Balance Transfer via Installment Plan online, you will enjoy zero fees - zero upfront fee, zero processing fee and zero early settlement fee, and flat interest rates between 1.03% p.a. to 1.16% p.a. (equivalent to EIR of 1.99%) when you transfer a minimum of RM10,000.

Just apply for a Citibank PremierMiles credit card here on RinggitPlus, get approved in no time and then sign up for Balance Transfer via Installment Plan online.

Discounts and Privileges

With Citi PremierMiles Visa Signature, you get an unlimited complimentary access to Plaza Premium Lounge at local and international airports. In addition, you will get a 50% off when you bring a guest along. 

Apart from that, you will also be entitled to a 45% discount at some of Malaysia's best restaurant, as well as 30% green fees on weekdays at 30 golf clubs in Southeast Asia when you book at Visa Golf Program.

Get up to 50% discount and preferential treatment at over 24,000 establishments worldwide for dining, shopping, leisure and travel at Citi World Privileges' website.

Comprehensive Insurance Coverage

Managing emergency while abroad is a daunting task. With that in mind, Citi PremierMiles Visa Signature card covers you and your supplementary cardmembers for personal accident of up to RM300,000 when you buy travel tickets with the card. You will be covered for up to 30 days.

Some other insurance coverage you are entitled for is travel inconveniences, medical expenses, loss and damage to personal belongings and home content insurance.